Lowest closing cost mortgage lenders in St. Johns County County, Florida
In St. Johns County, Florida, homebuyers paid a median of $7,660 in closing costs in 2024 — below the Florida median of $8,887. The county saw 6,097 purchase mortgages at a median rate of 6.25%. Among lenders with 10+ originations, HOMEAMERICAN MORTGAGE CORPORATION offered the lowest median costs at $350, which is $6,180 less than the county median.
Homebuyers in St. Johns County County who chose HOMEAMERICAN MORTGAGE CORPORATION paid $7,310 less in closing costs than the county median.
County Median Costs
$7,660
−13.8% vs Florida ($8,887)
Median Rate
6.250%
−5.6% vs national (6.620%)
Median Origination
$1,590
Purchase Originations
6,097
vs Florida Median
13.8% below
$-1,227
vs National Median
13.6% above
$919
Lender rankings in St. Johns County County
68 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $350 | 5.500% | $0 | 95 | −$6,180 | |
| 2 | $775 | 6.375% | $0 | 148 | −$5,755 | |
| 3 | $3,181 | 5.500% | $0 | 211 | −$3,349 | |
| 4 | $3,764 | 5.900% | $815 | 21 | −$2,766 | |
| 5 | $3,988 | 6.625% | $1,230 | 14 | −$2,542 | |
| 6 | $4,216 | 6.000% | $101 | 125 | −$2,314 | |
| 7 | $4,294 | 6.250% | $0 | 27 | −$2,236 | |
| 8 | $4,323 | 6.625% | $1,425 | 47 | −$2,207 | |
| 9 | $4,808 | 6.188% | $0 | 48 | −$1,722 | |
| 10 | $4,895 | 6.625% | $1,195 | 11 | −$1,635 | |
| 11 | $5,041 | 4.990% | $1,795 | 170 | −$1,489 | |
| 12 | $5,701 | 5.990% | $1,380 | 92 | −$829 | |
| 13 | $5,737 | 5.990% | $1,325 | 204 | −$793 | |
| 14 | $5,756 | 6.562% | $950 | 22 | −$774 | |
| 15 | $5,769 | 6.600% | $1,010 | 43 | −$761 | |
| 16 | $5,826 | 7.000% | $2,010 | 37 | −$704 | |
| 17 | $5,875 | 6.625% | $3,050 | 27 | −$655 | |
| 18 | $6,028 | 6.625% | $1,095 | 24 | −$502 | |
| 19 | $6,140 | 6.625% | $3,251 | 11 | −$390 | |
| 20 | $6,148 | 6.375% | $1,830 | 15 | −$382 | |
| 21 | $6,248 | 6.990% | $1,495 | 11 | −$282 | |
| 22 | $6,366 | 6.500% | $2,488 | 39 | −$164 | |
| 23 | $6,395 | 6.625% | $4,290 | 11 | −$135 | |
| 24 | $6,440 | 6.438% | $1,125 | 22 | −$90 | |
| 25 | $6,562 | 6.490% | $1,435 | 26 | +$32 | |
| 26 | $6,573 | 6.500% | $3,028 | 161 | +$43 | |
| 27 | $6,611 | 6.625% | $3,528 | 17 | +$81 | |
| 28 | $6,632 | 6.875% | $3,085 | 15 | +$102 | |
| 29 | $6,728 | 6.875% | $2,534 | 53 | +$198 | |
| 30 | $6,782 | 6.500% | $995 | 131 | +$252 | |
| 31 | $7,006 | 6.875% | $1,290 | 49 | +$476 | |
| 32 | $7,090 | 6.750% | $1,715 | 13 | +$560 | |
| 33 | $7,274 | 6.388% | $1,295 | 28 | +$744 | |
| 34 | $7,293 | 6.490% | $2,015 | 40 | +$763 | |
| 35 | $7,293 | 6.750% | $1,645 | 12 | +$763 | |
| 36 | $7,310 | 6.875% | $2,765 | 31 | +$780 | |
| 37 | $7,427 | 6.625% | $1,252 | 14 | +$897 | |
| 38 | $7,484 | 6.308% | $3,443 | 26 | +$954 | |
| 39 | $7,491 | 6.438% | $1,704 | 42 | +$961 | |
| 40 | $7,523 | 6.990% | $4,467 | 16 | +$993 | |
| 41 | $7,538 | 7.125% | $2,723 | 45 | +$1,008 | |
| 42 | $7,625 | 6.625% | $3,175 | 164 | +$1,095 | |
| 43 | $7,666 | 6.875% | $5,064 | 14 | +$1,136 | |
| 44 | $7,715 | 6.990% | $4,391 | 10 | +$1,185 | |
| 45 | $7,827 | 7.000% | $4,445 | 15 | +$1,297 | |
| 46 | $7,867 | 6.125% | $3,631 | 88 | +$1,337 | |
| 47 | $7,878 | 6.875% | $3,829 | 25 | +$1,348 | |
| 48 | $8,569 | 6.624% | $4,518 | 32 | +$2,039 | |
| 49 | $8,695 | 6.875% | $4,966 | 59 | +$2,165 | |
| 50 | $8,962 | 6.500% | $1,920 | 74 | +$2,432 | |
| 51 | $8,984 | 6.625% | $5,670 | 26 | +$2,454 | |
| 52 | $9,300 | 6.625% | $5,361 | 11 | +$2,770 | |
| 53 | $9,560 | 6.625% | $5,985 | 423 | +$3,030 | |
| 54 | $9,566 | 7.125% | $4,302 | 15 | +$3,036 | |
| 55 | $9,611 | 6.875% | $5,869 | 13 | +$3,081 | |
| 56 | $9,936 | 6.625% | $6,120 | 21 | +$3,406 | |
| 57 | $9,984 | 6.990% | $5,525 | 21 | +$3,454 | |
| 58 | $10,066 | 6.750% | $5,387 | 10 | +$3,536 | |
| 59 | $10,471 | 6.933% | $5,921 | 18 | +$3,941 | |
| 60 | $11,187 | 6.562% | $5,970 | 158 | +$4,657 | |
| 61 | $12,015 | 6.812% | $7,099 | 12 | +$5,485 | |
| 62 | $12,656 | 6.562% | $7,648 | 28 | +$6,126 | |
| 63 | $12,920 | 6.433% | $7,870 | 14 | +$6,390 | |
| 64 | $14,126 | 6.990% | $10,798 | 17 | +$7,596 |
Includes lenders with 10+ purchase originations in St. Johns County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Florida → Lender Directory
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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.